Beacon Financial Federal Credit Union

Headquarters: Johnson City, Tennessee
Charter: Credit Union
Assets: $27.9M
Fed district: Atlanta

15 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 4, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

NSF / Returned Item
Beacon Financial Federal Credit Union: $35
Beacon Financial Federal Credit Union: $35
U.S. median: no median
Foreign Transaction
Beacon Financial Federal Credit Union: $1.50
Beacon Financial Federal Credit Union: $1.50
U.S. median: no median
Wire Transfer (Domestic Out)
Beacon Financial Federal Credit Union: $35
Beacon Financial Federal Credit Union: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Tennessee, the Atlanta district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Tennessee: Banks and credit unions headquartered in Tennessee that publish the fee.
Atlanta district: Banks and credit unions headquartered in the Atlanta Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Hey Hamilton,What deserves a closer look?

Bring fees, filings and market context together.

Explore Hamilton Order a Competitive Fee Position Report from $300

Published fee schedule

Amounts from Beacon Financial Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Early Account Closure Fee (Open 90 days or less)$25
Inactive Account (One year with no activity)$25
per month
Printed Statement Fee$5
Return Mail Fee$10

Overdraft & NSF

ACH Insufficient Funds$35
Courtesy Pay (NSF)$35

ATM & Card

Replacement of a Debit Card (For lost cards-not for fraud or theft)$10
International Transaction Fee$1.50

Wire Transfers

Domestic Wires (Outgoing Only)$35
International Wires$50

Check Services

Certified Check (One free a day)$5
per item
Stop Payments (Checks or EFT/ACH)$35
Check Cashing Fee (W/O multiple services or min balance)$10
Copy of Draft (VolCorp)$5

Cash & Deposit

Deposited Item Returned Fee$35

Account Services

Tax, Levy/Legal Notice Fee$20

Lending Fees

Late Fee (audience not stated, treated as personal)5%

Fee	Amount	Basis	Note
Account Maintenance
Early Account Closure Fee (Open 90 days or less)	$25	Not stated	None
Inactive Account (One year with no activity)	$25	per month	None
Printed Statement Fee	$5	Not stated	None
Return Mail Fee	$10	Not stated	None
Overdraft & NSF
ACH Insufficient Funds	$35	Not stated	None
Courtesy Pay (NSF)	$35	Not stated	None
ATM & Card
Replacement of a Debit Card (For lost cards-not for fraud or theft)	$10	Not stated	None
International Transaction Fee	$1.50	Not stated	None
Wire Transfers
Domestic Wires (Outgoing Only)	$35	Not stated	None
International Wires	$50	Not stated	None
Check Services
Certified Check (One free a day)	$5	per item	None
Stop Payments (Checks or EFT/ACH)	$35	Not stated	None
Check Cashing Fee (W/O multiple services or min balance)	$10	Not stated	None
Copy of Draft (VolCorp)	$5	Not stated	None
Cash & Deposit
Deposited Item Returned Fee	$35	Not stated	None
Account Services
Tax, Levy/Legal Notice Fee	$20	Not stated	None
Lending Fees
Late Fee (audience not stated, treated as personal)	5%	Not stated	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Beacon Financial Federal Credit Union's foreign transaction changes in our data

We check once a day and send one email covering every change.